On her vacation to the British Virgin Islands this summer, Peggy Rubin wasn't lounging on the beach. She was captaining a 27-foot sailboat, having just completed her navigation certification.

"I like being in the position of leader," Rubin says. "When my dad was teaching me to drive, one of the things he said to me was 'Now don't be the typical female driver. When you come to a stop sign, see what the women do. They always stop and wait on the other cars to go. Learn the rules of the road. You get there first, or you're on the right, you go. You lead,' " she recounts. "And that has stuck with me through the rest of my life. If you know what you are doing and you have the opportunity to lead, be sure that you do."

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